Date Received: 2015-12-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I experienced a change in employment circumstances and am earning less than I have in the past. In response to this change, we applied for a HAMP Modification through our mortgage servicer - OCWEN - on XXXX/XXXX/2015. We took this step because we know that our new gross monthly household income puts our monthly mortgage payment at more than XXXX % of our monthly take. After applying, OCWEN requested additional documents every 2 weeks or so. On several occasions, the request was for documents that had already been submitted previously. This morning, some 10 weeks after our application, OCWEN denied our request for a HAMP Modification, saying that our mortgage payment was already less than XXXX % of our gross monthly household income, and thus we do n't qualify for the program under Federal Guidelines. This is not the case. When I pressed the representative for OCWEN on what numbers they used to determine our eligibility, he told me that they calculated our monthly gross household income at {$XXXX}. We have never made this much money. In our application, we provided details and documentation for our gross monthly household income of {$XXXX}. Our actual income is somewhat less than this ( details provided in the documentation attached ). It is our contention that OCWEN is employing stalling tactics - asking for duplicate documentation, taking excessive time to process submissions - and later using fictitious figures for calculating gross monthly household income with the purpose of denying a HAMP application and charging late charges and property inspection fees in the interim. The result is that we have been charged hundreds extra in fees, and are now closer to foreclosure with a reduced ability to cure the default by alternate means ( i.e. a forbearance repayment plan ). We understand that in a foreclosure scenario, OCWEN would have a claim against the proceeds of an auction sale for any amounts owed in fees, and that this is what animates their engaging in stalling tactics and fraudulent denial of our HAMP Modification application.
Company Response:
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2015-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-23
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: XXXX, the car is financed by gmac I submitted the paperwork by my insurance adjuster the estimate and the check to be signed by gmac to get the car fixed it has been over three months with more conditions to get the car fixed, the refuse to send me my original estimate
Company Response:
State: TN
Zip: 37931
Submitted Via: Web
Date Sent: 2015-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-23
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: my address is -- XXXX have filled out the form XXXX XXXX hope I do not loose it .... I really need help ... Please do n't dismiss this .... I am also trying to send the e-mails that I sent to XXXX and gmac for help they never a Previous messageNext messageBack to messages XXXX : XXXX XXXX XXXX XXXX CEOXXXX : PLEASE REVIEW CONTRACT : XXXX : XXXX XXXX XXXX XXXX CEO.XXXX : PLEASE REVIEW CONTRACT : XXXX XXXX XXXX/XXXX/XXXX send Bcc : XXXXXXXXXXXX XXXX XXXX, I have been trying to resolve this matter without fanfare, with no response from XXXX XXXX. I am forwarding the e-mail I sent to him months ago. I am not looking to cause any trouble, with so few job 's in the country. I just want to get to the bottom of this matter because I feel I paid nearly {$3000.00} more than I should have. I have an insurance paper that was left in my glove compartment which will state that. The sales man took my original paper 's that was the reason he ask me to leave them in the car. Thanking you in advance for taking the time, XXXX XXXX From : XXXXXXXXXXXX Subject : FW : PLEASE REVIEW CONTRACT : Date : XXXX, XXXX XXXX XXXX XXXX XXXX From : XXXXXXXXXXXX To : XXXXXXXXXXXX Subject : PLEASE REVIEW CONTRACT : Date : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX ; XXXX XXXX XXXX XXXX vin # XXXX My name is XXXX XXXX, I purchased a car from you XXXX XXXX A XXXX XXXX and I have been very pleased with the car, until I finally notice that I was paying {$20000.00} for the car which was a DEMO. Before I moved to XXXX XXXX XXXX, Florida in XXXX I asked GMAC for a copy of the contract, in case you are wondering why I have not contacted you before now I had a XXXX XXXX, then XXXX XXXX then other problems that I wo n't bore you with. A year ago I open the contract and could not believe what I was reading. Let me jump back for a minute when I purchase the car there was a dent on the door and was told that they would repair it. I was told by XXXX of your people a little fellow, to drop the car off the next day leave the papers in the glove compartment and the key under the mat, which I did. Three days later I called to see if car was ready the same person told me over the phone that it was. My niece drove me to pick up the car notice it was in the same spot I left it in and that the scrape on door was still there and the papers were no longer in the glove department. When I took the car in to have the oil changed and when it was finish I asked how much did I owe and was told by I think his name was XXXX that I did not have a bill, I thought that it was a service you had awarded me for buying the car, and I thought this is really good for I am a person that has to pay for everything. In XXXX XXXX after hurricane XXXX the company down sized and I was laid off, had to pay the payments with my unemployment benefit 's never knowing I had insurance for this. After my XXXX XXXX in XXXX and had no Idea how I would make payments, when a collector told me I had insurance. To make a long story short it took me what seem like forever to locate the contract I had asked for because I never unpacked my papers. When I found the papers and saw a different name on the contract than the XXXX XXXX who sold me the demo at {$13.00}, and on the top of the papers the date was XXXX XXXX and a Global Protection Plan dated XXXX XXXX, XXXX I never agreed to any of the things except XXXX Insurance when I made the purchase. We live in a Country where so many are going through hard times, people need their job 's, I want you to stay in business to accommodate your workers, and I wish you the very best, but I also wish myself the same, and at some time we must all stop people from dishonest agreements.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2015-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Hi My name is XXXX XXXX XXXX. I have recently came out of a bankruptcy with discharge success. Once I came out of the bankruptcy Ocwen ( XXXX mortgage ) would no longer take my payments. They gave me XXXX options : 1 ) pay the reinstatement amount 2 ) apply for a hardship modification. I have spent the last 7 months apply for the modification. I have sent and resent information to Ocwen over five times per their request. Now they have sold the paper on my loan to XXXX XXXX. It appears the process may have to start all over. I want to keep my house but I think I have been set up for a foreclosure. I need your help to maintain possession of my home. Please advise ... ... ... ... ... ... .. Sincerely XXXX XXXX XXXX Loan number with Ocwen : XXXX Thank you
Company Response:
State: AR
Zip: 85258
Submitted Via: Web
Date Sent: 2015-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The Law is the Law! Statue of Limitations law and laws for violating peoples rights are listed below. MGL Chapter 265 Section 37 MGL Chapter 260 Section 2. Actions of contract, other than those to recover for personal injuries, founded upon contracts or liabilities, express or implied, except actions limited by section one or actions upon judgments or decrees of courts of record of the United States or of this or of any other state of the United States, shall, except as otherwise provided, be commenced only within six years next after the cause of action accrues.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2015-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My servicer Ocwen Loan Servicing modified my mortgage as of XXXX XXXX, 2015. My original loan payment was {$940.00}. The new loan payment was supposed to be {$910.00}. The final modification documents was signed on XXXX/XXXX/2015. Whereby, the loan was supposed to be modified to the new {$910.00} short afterwards with the account being brought to a current status. Ocwen input the Principal balance adjustment to the account on XXXX XXXX, 2015 per their transaction history records. But, Ocwen failed to alter my mortgage account to a current status as stated in my modification agreement. I tried paying my monthly mortgage paying on XXXX XXXX, 2015. But, the payment was returned on XXXX XXXX, 2015 due to the servicer showing the loan past due for the XXXX XXXX, 2015 monthly payment. The account was sold to Residential Credit Solutions on XXXX/XXXX/2015 without the problem with the modification not corrected. I tried to talk with my contacts at Residential Credit Solutions in order to get the problem addressed. But, the contacts at RCS stated that the accounts was past due. I needed to pay the account current. I am asking that the account be corrected by RCS. Otherwise, the account needs to be transferred back to Ocwen in order that they can correct the issue with the account.
Company Response:
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2015-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-23
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The loan on my home was being serviced by Litton Loan Servicing. I got behind on the loan because of health issues. My friend and associate loaned me money to bring the loan current and she was given an ownership interest in the property. She was given full Power of Attorney to get any information on the loan and to act on my behalf. The insurance policy on the property was changed. The premium for both the old policy and the new policy was taken out of the escrow account. An insurance premium of {$1600.00} was refunded to me. I was told to send the endorsed check back to Litton Loans and my escrow account would get the credit. The credit was never given. It was discovered that we had not received credit for several other payments. While we were in discussion with Litton Loan Servicing about the missing funds, we got notice the loan servicing was being transferred to Ocwen Loan Servicing. We were told by Litton Loans to take up the missing funds issue with Ocwen Loans. When Ocwen got the loan, the name on the loan changed as well as the payment and other charges. We still made every payment but four payments got lost in the servicing transfer. Ocwen Loans would not talk to us as the name on all the loan documents was now different and we could not provide identification in that name. It did not help that we were having very serious problems and the call center was overseas. They could not address the missing funds issue.Ocwen Loan Servicing started a foreclosure. The missing funds were never located or accounted for. The loan documents were in one name and the foreclosure was started in my proper name. The issue could not be resolved. We had to hire an attorney to represent us. The judge listened to all the issues in the foreclosure hearing and denied the Motion For Order Authorizing Sale. He agreed the accounting was problematic. The issue still has not be resolved. Ocwen Loans still wo n't talk to us and there is cloud on the title created by the name change on the loan documents. We can not afford another attorney. Massive fees are accumulating and a new foreclosure has been started. We desperately need someone to look into this situation and help us get an accurate loan balance and a clear title if the loan is paid off.
Company Response:
State: CO
Zip: 80207
Submitted Via: Web
Date Sent: 2015-12-23
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My wife and myself were denied a new mortgage by XXXX mortgage companies. My former mortgage company ( OCWEN ) has placed a late notice against my credit report during the process of stopping a loan modification. This mortgage has been paid off and refinanced to another mortgage company and OCWEN has been less than helpful about removing this late notice. I had made several attempts to make my mortgage payments, even contacting my bank representive on numerous occasions. The bankers kept telling me my account was in research and to not worry this would not impact my credit, that was not the truth. I have looked on XXXX XXXX and XXXX and can not locate any credit late issues with OCWEN. I believe that I am being treated unjustly and would like something done to resolve this.
Company Response:
State: FL
Zip: 33813
Submitted Via: Web
Date Sent: 2015-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Ocwen XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX have violated the Homeowner bill or Rights in its foreclosure proceeding on a loan that I have inherited and have extended myself to Ocwen to find a viable solution. Without Properly foreclosing on the home XXXX and its affiliates have Broken into my home taken my personal belongings and changed my locks. Ocwen was notified on XXXX XXXX 2015 that I gained ownership of home by foreclosing on a XXXX XXXX deed by following proper procedure of foreclosure laws for non-payment of prior owner. I also had to evict them and fight off a frivolous lawsuit. At the same time I applied to Ocwen to get some type of short payoff on existing XXXX loan that I inherited during takin of ownership that was taken out by prior owners. In the process of negotiations they have violated my rights. 1. As Ocwen and its service providers have broken into my home changed locks and have stolen personal property including material and tools for the pending construction. Estimated value of materials $ XXXX {$5700.00}. ( blatant violation of my rights ) 2. During the process of contacting Ocwen I have left voicemails and emails sent to contact in XXXX which I have encountered language barrier and script reading that besides denying a shot payoff request once has not provided any other alternative of resolving my inherited issue ( Runaround and failure to provide Notification of Foreclosure Alternatives ) 3. the Notice Of Trustee 's Sale recorded XXXX is not against current owner and this is enforcement of Prior owner without proper notice to current owner that Ocwen will peruse the foreclosure ( Restriction against Dual Tracking ) 4. I feel that Ocwen has not implemented regulations set by XXXX XXXX and enforced by CFPB to protect homeowners like me and is not offering ( Fair review Process ). I ask that that the notice of sale dated XXXX XXXX 2015 to be postponed immediately and a Representative of Ocwen that has authority to negotiate from the Unites state contact me so I can understand my option and also explain myself properly. Ocwen has blatantly walked over the Homeowners bill of Rights in their handling of this process and I firmly believe this is an every day occurrence in their dealings.
Company Response:
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2015-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-21
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: My home was totally destroyed XXXX and as a result have been displaced for the last 3 years. NY State will be purchasing the property from us so that our family can get back on or feet again. We are prevented to enter a closing due to the fact that Ocwen is refusing to produce a satisfaction of mortgage with XXXX who was bank before Ocwen took over. This has been going on for about a year now and each month that goes by I have to pay property taxes of about {$2000.00} a month. About a week and a half ago I spoke to XXXX XXXX at XXXX she promised me she would call back in a half hour. I have not heard from her since and she is not returning my calls.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No